本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 P2C項目 風(fēng)險管理　出處：《吉林大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著技術(shù)的發(fā)展和融資形式的改變，互聯(lián)網(wǎng)金融成為了人們理財?shù)囊环N新形勢并呈現(xiàn)出了火熱的發(fā)展勢頭�；ヂ�(lián)網(wǎng)借貸平臺已經(jīng)成為了人們理財和借貸的主要途徑，并隨著使用人群和規(guī)模的擴大而不斷衍生出新的借貸模式。當(dāng)下，最為流行的互聯(lián)網(wǎng)金融模式便是P2P模式，這一模式實現(xiàn)了人們在線上直接借貸避免了傳統(tǒng)金融的繁瑣程序。但是，隨著P2P模式的快速發(fā)展，在信心不對稱的背景下，P2P模式出現(xiàn)了大量的問題甚至包括運營者“跑路”的現(xiàn)象。也因此，P2C成為了人們看好的新的互聯(lián)網(wǎng)借貸平臺經(jīng)營模式。P2C作為互聯(lián)網(wǎng)借貸平臺最新的一種經(jīng)營模式，是借款人以企業(yè)為主，對債權(quán)轉(zhuǎn)讓企業(yè)通過資質(zhì)審核出具有投資價值的優(yōu)質(zhì)債權(quán)項目在平臺上提供給投資者的新模式。隨著通過互聯(lián)網(wǎng)金融理財?shù)娜瞬粩嘣黾�，，互�?lián)網(wǎng)金融項目激增。大部分的互聯(lián)網(wǎng)平臺和項目由于跟人借貸存在較大的不確定性，風(fēng)險相對較高并不能滿足投資人保證安全的基礎(chǔ)上獲得更多收益的期望。網(wǎng)絡(luò)借貸平臺又演進(jìn)出了新的借貸模式即P2C模式。雖然，在眾多互聯(lián)網(wǎng)金融融資模式中P2C仍屬于融資平臺較少接觸的借貸模式其覆蓋的廣度遠(yuǎn)不如P2P但是這一模式較好的滿足了個人擁有的閑散資金進(jìn)行投資的便利和中小企業(yè)對資金的大量需求。這一模式在得到快速的發(fā)展的同時也曝露出了一些列存在的風(fēng)險。因此，有必要通過P2C的發(fā)展對其風(fēng)險進(jìn)行分析并制定合理的風(fēng)險評估和政策建議。 本文通過對借貸理論的相關(guān)分析以及P2C概念的理解，以中均集團(tuán)P2C項目為例對中均集團(tuán)的P2C項目、與傳統(tǒng)信貸的優(yōu)勢以及風(fēng)險評估進(jìn)行了分析。通過對中均集團(tuán)現(xiàn)有的風(fēng)險評估方法的介紹對在P2C項目中APH和DFC方法的引入使中均集團(tuán)P2C項目網(wǎng)絡(luò)平臺的風(fēng)險評估方法得以改進(jìn)。根據(jù)中均集團(tuán)面對的風(fēng)險對中均風(fēng)險評估方法進(jìn)行了概述并結(jié)合國內(nèi)外最新的風(fēng)險評估方法利用AHP分析法和DCF方法對中均集團(tuán)風(fēng)險評估方法進(jìn)行了改進(jìn)并有效的增強了中均集團(tuán)風(fēng)險控制能力。最后，通過中均集團(tuán)風(fēng)險控制與評估的經(jīng)驗對我國P2C風(fēng)險控制提供了政策建議。
[Abstract]:With the development of technology and the change of financing form, Internet finance has become a new situation of people's financial management and has shown a hot development momentum. Internet lending platform has become the main way for people to finance and borrow. And with the expansion of the population and scale of use, new lending models have been spawned. At present, the most popular Internet finance model is the P2P model. This model enables people to borrow directly online to avoid the red tape of traditional finance. However, with the rapid development of P2P model, Under the background of asymmetric confidence, there are a lot of problems in P2P model, even the phenomenon of "running away" by operators. As a result, P2C has become a promising new business model for Internet lending platform. P2C is used as an Internet loan flat. Taiwan's latest business model, It is a new model that the borrowers are mainly enterprises, and the enterprises that transfer the creditor's rights have checked out the quality creditor's rights projects with investment value through the qualification to offer to the investors on the platform. As the number of people managing financial affairs through the Internet has been increasing, Internet finance projects have proliferated. Most Internet platforms and projects have greater uncertainty about borrowing from people. The relatively high risk does not meet the expectations of investors to earn more revenue on a safe basis. The online lending platform has evolved a new lending model, P2C. P2C is still a lending model that is less accessible to financing platforms than P2P, but this model is a better way to satisfy the ease of investment of private idle funds. The large demand for capital from small businesses. This model has developed rapidly and exposed a number of risks. Therefore, It is necessary to analyze the risk and make reasonable risk assessment and policy recommendations through the development of P2C. Based on the relevant analysis of lending theory and the understanding of P2C concept, this paper takes the P2C project of Zhongjun Group as an example to analyze the P2C project of Zhongjun Group. This paper analyzes the advantages of traditional credit and risk assessment. Through the introduction of APH and DFC in P2C project, the risk assessment of P2C project network platform is made by introducing the existing risk assessment methods of Zhongjun Group. The method is improved. According to the risk average risk assessment method faced by Zhongmean Group, this paper summarizes the risk assessment method and combines the latest risk assessment methods at home and abroad, using AHP analysis and DCF method to carry out the risk assessment method of Zhongmean Group. Improved and effectively enhanced the risk control ability of Zhongjun Group. Finally, Through the experience of risk control and evaluation in Zhongjun Group, some policy suggestions are provided for P2C risk control in China.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F724.6;F832.39;F272.3

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